United India United Top Up Medicare Health Insurance

The United Top-up Medicare Policy provides coverage for the people between 18 years and 80 years of age against hospitalisation expenses in India during the policy period. It also covers children of 3 months to 18 years provided either or both parents are covered under the same policy. Married, employed or self-employed children beyond 18 years are not covered. The sum insured under the policy starts from Rs. 3 Lakh up to Rs. 15 Lakh.

• Hospitalisation expenses including room, boarding, IV fluids, nursing, blood, oxygen, injection administration, etc.
• Various options with different Sum Insured and Threshold Level are available.
• Fees of specialists, surgeons, practitioners, anaesthetics or consultants
• Costs of orthopedic implants, pacemaker, infra cardiac valve replacements, diagnostic tests, etc.
• Charges of road ambulance service, not exceeding Rs. 2,500
• Medical expenses incurred 30 days before hospitalisation
• Related medical costs, 60 days from the date of discharge

As a leading name in the insurance industry, United India offers many more benefits under its top-up policy. It can provide coverage for pre-existing diseases after 48 months of the waiting period, cashless treatment in top network hospitals in India, reimbursement of covered expenses if the treatment is taken in a non-network hospital, the flexible sum insured options and many more. Here are some common benefits of the policy:

• A portability option to transfer policy
• Tax exemptions as per Section 80D of the Income Tax Act, 1961
• An option to renew the policy annually throughout the lifetime
• 15 days of free look period to review the terms and conditions
• A grace period of 30 days in the event of a break in the policy 

Skyrocketing medical costs are putting a question mark on the credibility of health insurance with a lower sum insured. If a disease strikes, the treatment may require a good amount of money. At times, the hospital bills and expenses reach out the sum insured limits, thereby making patients paying for the expenses from their own pocket. That’s where United Top-up Mediclaim comes to play a bigger role by increasing the sum insured limit. If you already have a health insurance, but the sum insured is lower, purchasing the Untied India Top-up is the right step.

It is advisable to choose InsuranceDekho and buy the health insurance policy online. InsuranceDekho is committed to providing proper assistance to customers right from the time of purchasing the policy till filing a claim and getting it approved.

A policyholder can avail Top Up Medicare policy under both, individual sum insured or family floater sum insured basis.

The sum insured range for the policy is Rs. 3 Lakh to Rs. 15 Lakh.

Under Top Up Medicare policy, Specified Threshold Level ranges between Rs. 2 Lakh to Rs. 5 Lakh. 

For Top Up Medicare policy, while the minimum entry age is 3 months, the maximum entry age is 80 years.

A policyholder can cover their family comprising of self, legal spouse and dependent children under Top Up Medicare policy.

No! The policy does not provide coverage for procedures/treatments performed in out patient department or even in case of conversion as an in-patient in the hospital for a period exceeding 24 hours or treatment carried out in daycare centres.

Physical examination carried out at proposer’s cost include Blood Pressure, Glycosylated Haemoglobin, Serum Creatinine, Serum Urea, ECG, and Stress Test unless contraindicated. Note that 50% of the cost of the medical examination is reimbursed to the insured individual on acceptance of the request for enhancement of sum insured.

Pre-existing disease coverage under Top Up Medicare policy is provided to the insured individual after four years of continuous coverage since inception of the top up policy with the insurer.

Yes! On buying Top Up Medicare policy, one can avail tax rebate according to the Income Tax rules under Section 80D.